Indianapolis Colts cornerback Kelvin Hayden, right, celebrates as he scores a touchdown in front of Cincinnati Bengals wide receiver Jordan Shipley on a 31-yard interception-return in the first quarter.

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INDIANAPOLIS — The Indianapolis Colts don’t need Peyton Manning playing at an MVP level to win every game.

Complicating the physical concerns are the financial issues. The Bengals have to decide this offseason if they want to exercise a $5 million option in his deal that would make it a six-year contract or decline it and keep it at four years.